When it comes to low-cost investing, Charles Schwab is a powerhouse that often rivals (and sometimes beats) Vanguard. For readers of Money Hub, the goal is simple: maximize returns while minimizing the fees that eat into your long-term wealth.

Schwab’s Exchange-Traded Funds (ETFs) are legendary for their razor-thin expense ratios and high liquidity. Whether you are looking for aggressive growth, steady dividends, or a safe harbor in bonds, there is a Schwab fund for you.

Here are our top 10 Schwab ETF picks to consider for your “Money Hub” portfolio this year.

1. Schwab US Broad Market ETF (SCHB)

If you only want one fund, this is it. SCHB provides exposure to the entire U.S. equity market, from massive tech giants to small-cap industrial companies. It is the definition of “set it and forget it.”

2. Schwab US Dividend Equity ETF (SCHD)

A fan favorite in the FIRE (Financial Independence, Retire Early) community. SCHD doesn’t just chase high yields; it focuses on quality companies with a record of sustainable dividend growth. It’s a cornerstone for any passive income strategy.

3. Schwab US Large-Cap Growth ETF (SCHG)

For investors with a higher risk tolerance looking to capture the upside of Big Tech and innovation, SCHG is the go-to. It tracks the total return of the Dow Jones U.S. Large-Cap Growth Stock Index.

4. Schwab US Large-Cap ETF (SCHX)

Think of this as Schwab’s answer to the S&P 500. It offers exposure to the 750 largest U.S. companies, providing a slightly broader base than a traditional S&P 500 fund while maintaining the same stability.

5. Schwab US Large-Cap Value ETF (SCHV)

When growth stocks feel overvalued, investors flock to value. SCHV focuses on companies that are potentially undervalued by the market but boast strong fundamentals. It’s an excellent diversifier against tech-heavy portfolios.

6. Schwab International Equity ETF (SCHF)

Don’t ignore the world outside the U.S. SCHF offers low-cost access to large-cap companies in developed markets like the UK, Japan, and France. It’s essential for a truly globalized portfolio.

7. Schwab US Small-Cap ETF (SCHA)

Small companies often have the most room to run. SCHA captures the performance of the smallest stocks in the market, which can offer explosive growth during economic recoveries.

8. Schwab Emerging Markets Equity ETF (SCHE)

For the truly adventurous investor, SCHE provides exposure to high-growth economies like China, India, and Brazil. While more volatile, the long-term growth potential of emerging markets is hard to ignore.

9. Schwab US Aggregate Bond ETF (SCHZ)

Every balanced portfolio needs a “ballast.” SCHZ tracks the broad U.S. investment-grade bond market, providing steady interest payments and protecting your capital when the stock market gets rocky.

10. Schwab US TIPS ETF (SCHP)

In an era where inflation remains a talking point, SCHP is your shield. This fund invests in Treasury Inflation-Protected Securities (TIPS), which adjust their principal value based on inflation rates.

Final Thought from Money Hub: Choosing the right ETF is only half the battle. The real secret to wealth is consistency. By utilizing these low-cost Schwab funds, you ensure that more of your money stays in your pocket and works for your future.

Disclaimer: Investing involves risk. Always conduct your own research or consult with a financial advisor before making investment decisions.